People need to realize that this may be Kubiak's last season. I doubt he's going to make a bold move like this and take on a 'new guy' with what's at stake. Physical prowess aside, Schaub already knows Kubiak's system and has proven he can run it effectively. I think Kubiak would rather gamble that Schaub can stay healthy over the unknown of what Cutler may bring. We know Cutler has talent, but there's no guarantee he can quickly pick up the system and fully integrate with his teammates. Kubiak seems to be the type who plays it safe until he knows it's a lost cause (ala, Carr).
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